I had my mortgage loan modified recently at the tail end of 2018 due to salary decrease it went thru great, then after my employer sold the business an laid me and others off ? Can I now reapply for a unemployment forebearance with my Servicer is there a difference between Modification and Forebearance? My mortgage is current I have made the 2 month payments they expected on the modification. I'm on unemployment which doesn't cover everything and doesn't last forever (6 months) and borrowing money for any differences that I have. I don't want to keep on borrowing money!